Quebec Term Life Insurance — Compare 25+ AMF-Licensed Providers
Montreal to Quebec City — compare term, whole life, and universal life.
Quebec runs on its own civil code, its own regulator (AMF), and its own approach to insurance. We compare term life, universal life, and whole life quotes from 25+ AMF-licensed providers — in English or French — so Quebecers see a real side-by-side comparison of providers before they decide, not a single carrier's best pitch.
- Capital · Quebec City
- Population · 8.8 million
- Median age · 43
Quick answer
Life insurance in Quebec is sold by AMF-licensed advisors, and a healthy 35-year-old non-smoker typically pays $28–$40 a month for $500,000 of 20-year term coverage — with policy service available in French or English at the same price. RAMQ covers basic medical care but provides no income replacement for your family, which is what life insurance is for. Compare quotes from 25+ AMF-licensed carriers to see your real rate.
The local details that move premiums. What we factor in before we quote.
Quebec's civil code treats irrevocable beneficiary designations differently — a spouse named without qualification is automatically irrevocable unless you specify otherwise.
All quotes, contracts, and consent documents are available in French; every advisor we refer in Quebec holds an AMF licence.
RAMQ covers most prescriptions through the public drug plan — dental, vision, and travel still need private coverage.
Universal life insurance is particularly popular in Quebec for estate-planning purposes; we include UL alongside term in every comparison.
Premium tax (3.48%) on select non-resident insurer products is disclosed explicitly on the quote sheet — no surprises at renewal.
Union-plan group benefits are common; we coordinate around what you already have rather than recommending duplicate coverage.
What life insurance actually costs here. 2026 monthly premiums, by age and coverage.
| Age | $250K coverage | $500K coverage | $1M coverage |
|---|---|---|---|
| 25 | $13–$19 / mo | $20–$28 / mo | $32–$47 / mo |
| 30 | $15–$22 / mo | $22–$31 / mo | $37–$55 / mo |
| 35 | $17–$25 / mo | $28–$40 / mo | $47–$71 / mo |
| 40 | $23–$35 / mo | $39–$59 / mo | $71–$108 / mo |
| 45 | $35–$53 / mo | $59–$93 / mo | $108–$172 / mo |
| 50 | $57–$87 / mo | $98–$152 / mo | $182–$290 / mo |
| 55 | $93–$142 / mo | $167–$255 / mo | $315–$490 / mo |
Illustrative Quebec rate ranges from AMF-licensed carriers, 20-year term, no medical exam declined. Premiums shown apply equally to French- and English-language policy service. RAMQ covers basic medical needs but doesn't substitute for life insurance — coverage amounts mirror those recommended for Ontario households. Get a real quote in 60 seconds.
Compare quotes in Quebec. 60 seconds. No credit check.
Drop your postal code; we will line up the carriers licensed for your address and show you real pricing on the next page.
Coverage in your community. Six places we serve across Quebec and beyond.
Insurance in Quebec. The honest answers.
Three quotes.
Sixty seconds.
Built for Quebec.
Every quote from a vetted Canadian insurer licensed in Quebec. Every advisor we refer is provincially regulated. No phone tag, no pushy agents.
- No medical exam to get a quote
- No high-pressure sales
- Take your time to decide
Lowest Rates Hub connects consumers with licensed insurance brokers across Canada. Quotes are provided by partner brokers and the carriers they represent; LRH does not bind coverage or hold an insurance licence. Estimates are not bound coverage. Policies underwritten by IDC Worldsource and partner insurers. Privacy policy.